# SBA loans to home remodeling contractors in Florida **Short answer:** SBA's loan file shows 455 loans to home remodeling contractors in Florida since October 2019. TD Bank made 33.0% of them, against 12.0% nationally and 13.2% of all loans in Florida. The median loan was $116,700, 55% above the national median of $75,350. Canonical page: https://www.sbaexpress.loans/industries/residential-remodelers/florida/ Data as of: 2026-06-30 These are the 455 SBA 7(a) loans to [home remodeling contractors](https://www.sbaexpress.loans/industries/residential-remodelers/) in [Florida](https://www.sbaexpress.loans/florida-small-business-loans/) approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other. ## How Florida differs from the U.S. **What this means for you.** One lender made a large share of these loans in Florida, so compare more than one lender before you apply. ### Lender concentration [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/) made 33.0% of these loans (150 of 455). Nationally it made 12.0% of loans to home remodeling contractors. It made 13.2% of all SBA loans in Florida. ### Loan size The median loan was $116,700 in Florida, 55% above the national median of $75,350. The middle half of loans in Florida ran from $46,250 to $250,000. Nationally the middle half ran from $30,000 to $150,000. Median loan, Oct 2019 to Jun 2026 - Florida: $116,700 - United States: $75,350 We compared 9 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure. ## Florida next to the U.S. **Florida compared with all loans to home remodeling contractors in the U.S., October 2019 to June 2026** | Measure | Florida | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 1.8% | 2.1% | No clear gap | | Median loan | $116,700 | $75,350 | Clearly higher | | Middle half of loans | $46,250 to $250,000 | $30,000 to $150,000 | – | | Startups (the loan opens the business) | 12.3% | 10.6% | No clear gap | | In business 2 years or less | 16.0% | 15.9% | No clear gap | | In business more than 2 years | 64.6% | 69.2% | No clear gap | | Change of ownership | 5.3% | 2.9% | No clear gap | | SBA Express | 60.2% | 65.8% | No clear gap | | Lines of credit | 52.1% | 51.6% | No clear gap | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 3 points over Prime | 2.8 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## Who lends in Florida The 5 lenders below made 284 of the 455 loans approved October 2019 to June 2026, or 62.4%. A lender is listed when it has 5 or more of them, five at most. **Top lenders in Florida** | Lender | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/) | 150 | 33.0% | 12.0% | | [JPMorgan Chase Bank](https://www.sbaexpress.loans/sba-express-lenders/jpmorgan-chase-bank/) | 43 | 9.5% | Not in top 5 | | [Wells Fargo Bank](https://www.sbaexpress.loans/sba-express-lenders/wells-fargo-bank/) | 39 | 8.6% | Not in top 5 | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/) | 28 | 6.2% | 16.4% | | [United Midwest Savings Bank](https://www.sbaexpress.loans/sba-express-lenders/united-midwest-savings-bank/) | 24 | 5.3% | 5.1% | Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry. ## Home remodeling contractors in other states Other states where these loans differ clearly from the national pattern, most loans first. **Home remodeling contractors by state** | State | Loans since October 2019 | | --- | --- | | [Ohio](https://www.sbaexpress.loans/industries/residential-remodelers/ohio/) | 693 | | [California](https://www.sbaexpress.loans/industries/residential-remodelers/california/) | 621 | | [New York](https://www.sbaexpress.loans/industries/residential-remodelers/new-york/) | 609 | | [New Jersey](https://www.sbaexpress.loans/industries/residential-remodelers/new-jersey/) | 336 | | [Pennsylvania](https://www.sbaexpress.loans/industries/residential-remodelers/pennsylvania/) | 334 | | [Michigan](https://www.sbaexpress.loans/industries/residential-remodelers/michigan/) | 317 | | [Texas](https://www.sbaexpress.loans/industries/residential-remodelers/texas/) | 317 | | [Washington](https://www.sbaexpress.loans/industries/residential-remodelers/washington/) | 264 | ## More industries in Florida Other industries in Florida with a clear difference from the national pattern, most loans first. **Other industries in Florida** | Industry | Loans since October 2019 | | --- | --- | | [Sit-down restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/florida/) | 897 | | [Fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/florida/) | 719 | | [Plumbing and HVAC companies](https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/florida/) | 521 | | [Paving, fencing, pool and other specialty contractors](https://www.sbaexpress.loans/industries/all-other-specialty-trade-contractors/florida/) | 490 | | [Gyms, fitness studios and recreational sports centers](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/florida/) | 485 | | [Landscaping and lawn care companies](https://www.sbaexpress.loans/industries/landscaping-services/florida/) | 413 | | [Child care centers and preschools](https://www.sbaexpress.loans/industries/child-care-services/florida/) | 411 | | [Physician practices](https://www.sbaexpress.loans/industries/offices-of-physicians/florida/) | 388 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)